Punjab & Sind Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest Income on Loans	120,567	114,813	96,940	79,927	70,958	69,739
Interest Paid on Deposits	81,518	76,976	68,529	50,194	44,445	47,120
Net Interest Income	39,586	37,837	28,410	29,734	26,513	22,619
Net Interest Income Growth (YoY)	18.13%	33.18%	-4.45%	12.15%	17.21%	9.93%
Gain (Loss) on Sale of Assets	-1.98	-1.98	4.4	21.54	-1.58	-0.1
Gain (Loss) on Sale of Investments	3,746	3,746	113.91	-141.78	2,707	4,159
Other Non-Interest Income	16,528	11,932	12,096	9,520	6,889	4,877
Total Non-Interest Income	20,272	15,677	12,215	9,400	9,594	9,036
Non-Interest Income Growth (YoY)	55.48%	28.34%	29.95%	-2.02%	6.17%	0.69%
Revenues Before Loan Losses	59,858	53,513	40,625	39,133	36,107	31,655
Provision for Loan Losses	11,983	10,591	5,355	1,369	2,910	35,049
Revenue	47,875	42,922	35,270	37,764	33,197	-3,394
Revenue Growth (YoY)	24.66%	21.70%	-6.60%	13.76%	-	-
Salaries and Employee Benefits	22,152	20,885	19,442	15,444	14,786	16,881
Occupancy Expenses	3,289	3,289	3,197	3,160	2,835	2,621
Selling, General & Administrative	1,092	1,092	946.35	1,074	488.41	429.49
Other Non-Interest Expense	8,766	7,497	5,730	4,957	4,697	4,003
Total Non-Interest Expense	35,300	32,764	29,316	24,634	22,806	23,935
EBT Excluding Unusual Items	12,575	10,158	5,954	13,130	10,391	-27,329
Pretax Income	12,575	10,158	5,954	13,130	10,391	-27,329
Income Tax Expense	446.5	-	-	-	-	-
Net Income	12,129	10,158	5,954	13,130	10,391	-27,329
Net Income to Common	12,129	10,158	5,954	13,130	10,391	-27,329
Net Income Growth	43.98%	70.61%	-54.65%	26.37%	-	-
Basic Shares Outstanding	7,027	6,781	6,778	6,778	4,060	765
Diluted Shares Outstanding	7,027	6,781	6,778	6,778	4,060	765
Shares Change (YoY)	4.21%	0.05%	-	66.94%	430.52%	21.69%
EPS (Basic)	1.73	1.50	0.88	1.94	2.56	-35.71
EPS (Diluted)	1.73	1.50	0.88	1.94	2.56	-35.71
EPS Growth	38.16%	70.52%	-54.65%	-24.30%	-	-
Dividend Per Share	-	0.070	0.200	0.480	0.310	-
Dividend Growth	-	-65.00%	-58.33%	54.84%	-	-
Effective Tax Rate	3.55%	-	-	-	-	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.